why has that not come true? >> i don't, i think that when you look at, when you look at where we're at in health care today, premium, for last 10 years, we're aging workforce. one of the things that we battle as an insurance agency is, we are not, we're not in same health we were. our poor health in america today, really drive our rates. if you were to ask the number one reason we have rate increase, i would go back and say it is our poor health and lack of preventative care, that sort of thing. that is our typical explanation. just the other thing to elaborate on, your example, ere are some small businesses, and some small business that will, cease to offer coverage, they will go into the exchange format and some of their employees, based on their percentage of poverty level and --. melissa: exchanges get up and running. will we save money when the exchange is up and running?